Amount-certification rubber check-stamp for banks



J. DERSCHA. AMOUNT CERTIFICATION RUBBER cIIEcK STAMP FOR BANKS.

APPLICATION FILED JAN. 28. 1920.

l Patented July 20, 1920.

I v l Gunn,

UNITED vSTATESv PATENT OFFICE.

JOSEPH DERSCHA, 0F FLINT, MICHIGAN.

Specification` of Letters Patent.

Patented July 20, 1920.

Application led January 28, 1920. Serial No. 354.665.

It is well known that persons inadvertently overdraw their accounts at banks and also that there are some personswho draw checks knowing full well that their accounts are over-drawn, or that they have no account at abank, and therefore, an object of this invention is to overcome this practice.

For instance, it is the aimof this invention to revise and change the present day banking system particularlyin the issuing and the drawing of checks. The change. or revision of this particular ofthe banking system involves the issuing of c heck books to depositors having a check certified by the cashier fornot over a certain amount. In other words when Aa person opens an account, say for example, $500though not necessarily, the checks of the checkbook will be stamped by the cashier, certifying that the check is payable by the bank not over certain amounts. The stamp which may be used by the cashier also carries a facsimile of the cashiers signature. The check book containing thirty-seven checks may then be issued to the depositor and the checks thereof will be certified to in various amounts, ranging from $5 to $25 in multiples of five dollars each. For instance, there may be siX checks for $25 each amounting v to $150; live checks at $20 each amounting to $100; seven checks at $15 each amounting to $105; ten checks at $10 each amounting to $100 and nine checks at $5 each amounting to $45, making a totalv of $500. ItV is obvious that check books may be stamped in this manner for different amounts, in other words, the invention is not to be confined to any particular sum.

Under this system,` the 'banking house *Y flange 2. This flange 2 would know full well'that should a forged check be presented, unless the forger by some means secured a check of a depositor, that the check was a forgery. Furthermore, those. who are paid by check with this system in vogue, would have no hesitancy in receiving the check, particularly if the person who wrote the check lhad been in the habit of over-drawing the account, and furthermore with this systemdisputes as to whether a check is good or bad may be avoided.

The invention further aims to provide an amount certification V'rubber check stamp, comprising a body having means for holding the rubber stamp in place, and means in connection therewith for printing or impressing the amounts, the same time that the amount. certified is stamped on the check.

A further object is to provide means whereby the amounts may be changed.

lNhile the design and construction at present illustrated and set forth is deemed preferable, it is obvious that as a result of a reduction of the invention to a more practical form for commercial purposes, the invention may be susceptible to changes, and

the right to these changes is claimed, provided they are comprehended within the scope of what is claimed.

The invention comprises further features and combination of parts, as will be hereinafter set forth, shown in the drawings and claimed.

' In the drawings Figure 1 is a View showing the stamp constructed in accordance with the invention.

Fig. 2 is a view showing the impression face of the stamp.

Fig. 3 is a vertical sectional view through the stamp, on the line 3 3 of Fig. 2, and

Fig. 4; is a cross sectional view on line 4-4 of Fig. 3. i

Referring more especially to the drawings, l designates a suitable body, preferably constructed of wood, thoughv not necessarily,

and secured to its marginal edge is a metallic projects sufficiently from one face of the body, to act as means for holding the rubber impression stamp 3 ful to the body of the implement. The rubber impression stamp Vmay also be secured to the body adhesively in addition to 'the holding flange 2, which is slightly turned over the marginal edge of the rubber stamp. v

Secured to the body 1 is a handle t transversely of which a tubular vbearing 5 is-ar- Y ranged. A shaft G is mounted in said bearing 5, andis also mounted in a bearing 7 of a bracket 8, which is secured in any suitable Y vmanner tothe body 1. l@ne end of the shaft 6 has a knob 8, by which the shaft may be Vmanually rotated. is a sprocket or toothed wheelrQ, which is engaged by an endless belt 10. The body of the stamp is provided with an opening 11, and in bearings of the opposite ends of the opening, a shaft 12 is mounted. This shaft Y 12 carries' a toothed roller 13 about which the endless belt 10 travels. The opening 11 in the body is linedwith a metallic frame ll. VThe'outer face of the endless belt is provided with embossed numbers l'rang- "ing from five dollarsupward in multiples of five. VThese amounts mayi go as high as one hundred, two hundred or live hundred dollars, though not necessarily, for the'belt may have numbers ofi any amount. The rubber impression stamp which is secured to the body Aadhesively and by means of the .flange its impression face provided with data which reads T his check is payable at John Doe Bank of Flint, Michigan for. This reading is embossedon the impression face of the stamp and the word for7 is Y designed to Iendvv in close position to where 'the amount'of theendless 'belt will appear through the opening in the stamp so that when the stamp is applied-on the check, the face of the cheek will read This checkis payable by the John DoeV Bank ofFlint, VMichigan for $60.00. The impression face of the stamp 'also has embossed thereon the word Cashier and below the name of the cashier .,Richard Roe.

The shaft G is provided with threads 16 to i be engaged by nuts 17 to not only prevent axial movement of the shaft, but also to retain the shaft against rotation, by turning the nuts tight against the ends of the tubular bearing 5 in which the shaft is mounted. By holding the shaft from rotating, it will 'be observed that the endless belt vwill be prevented from movement after it has been once set. Y, Y

Y The invention having been set forth, what is claimed as new and useful is z-l 1. In an amount certification rubber check,

stamp, the l'combination with a body provided with a rubber impression face for stampingbank checks, a handle for the body, saidY body having an opening, an endless i belt provided on its'outer face with various amounts, means 'for Vsupportingthe belt,

whereby but a single amount may appear Also 'fixed to the shaft through the opening at one time, said means comprising a roller in said opening, a rotating shaft mounted in bearings of the handle,

and of thev body andV provided with a sprocket to be Vengaged by said belt whichV also passes overthe roller in the opening.

2. In anamount certification rubber check stamp, the combination with a body provided with :a rubber impression face for stamping bank checks, a handle for the body, said body having an opening, an endless belt provided on its outer face with various amounts, means for supporting the belt, whereby blut'a single amountY may appear through the opening at one time, said means comprising a roller in said opening, Ya rotating shaft mounted in bearings of the handle, :and ofthe body and provided with a sprocket to be engagedby said belt which alsofpasses over the rollerV in the opening, and means for holding the shaft in different adjusted positions.

3.V In an' amount certification rubber check stamp, a` bodyV comprisinga plate having a stamp retaining marginal flange, aninsert element engaged and held adjacent the plate by said marginal flange, a rubber stamp held y vadjacent vtheV insert element by the marginal fiange,.said plate having a flanged opening, the flange of which extendingthrough .the

insert element and the rubber stamp, a toothed roller mounted in bearings of the flange of said opening, ya handle Yd etachably secured.' to and rising from the upper face of said plate, a bearing on the plate, a shait Vremovable in said bearing and having one end detachably mounted ini a bearing of the theliandle, Vafsecondtoothed roller on the shaft alined with the first `roller, and an endless belt provided on its outer face with Y various amounts operatively connecting with said rollers.

5. Inan amount'certification rubber check stamp ,fa plate having a marginal flange and provided with a flangedvopening near one end, a rubberstamp detachably connected to the plate bythe marginal flange, an insert element between therubber stamp Vand the plate,ithe rubber stamp and'a the insert element having registeringV openings through whichthe flange ofthe opening Yof the plate extends, a handle detachably connected to' and rising upwardlyfroni the plate, a bearing on the upper face Vof the VplateV at' one end, a shaft having` one end rotatably mount` with various amounts operatively connecting the toothed rollers, and means on the shaft cooperating with the handle to tighten und hold'the shaft set.

In testimon signature.

10 y whereof IV hereunto aix my Y J OSEPHv DERSCHA. 

